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Holy cow!! Has it really been over a year since I've blogged anything?? WOW!! Thought I'd bounce in here and give you all a very over due update on our family!!
Jacob graduated last spring, and has officially finished his first year of college towards a criminal justice degree! His mother did well through this process. She hardly cried when she dropped him off at college, but cried every time he pulled out of the driveway when he was home for visits. He is currently back home, has moved in with a buddy of his, and is working for a rancher this summer.
He was one of thirty accepted out of 200 applicants to the Kansas Collegiate Law Enforcement Academy, but a few days before he got sick and was unable to go.
He is a volunteer firemen for our community, and stressed his mom COMPLETELY out in March. He decided to come home from school one weekend because there was a high fire risk, and he ending up helping fight the Starbuck Fire. I laid on my couch and listened the scanner off and on all night long that first night.
*He reminds me of my Dad, which breaks my heart at times, and fills it with joy, all at the same time.
Tristen: Officially a SENIOR and his mother CAN NOT believe it!!! He is working as a life guard this summer, as well as working in the same wood shop his Dad works in. He keeps busy, and has quite the social life and love for his cell phone. He is still active in 4-H, though his projects have scaled back tremendously as he has grown. He got to go with his team to state golf, which was quite the experience. He played very well that day! He's enjoying the life as the only kid left in the house. Still can't decide WHAT in the WORLD he wants to do when he graduates, and some days I think he stresses over this way too much. He doesn't listen to his parents when we tell him that it's ok to not know yet. Tristen is the more patient of my two boys, and enjoys being around little kids more than his brother. We had an incident in November, that I think needs forever memorialized in this blog. I received a call from the school, that Tristen had done a BACK.FLIP.OFF.THE.STAGE and had LANDED.ON.HIS.FACE. After a trip to the ER...because I was SURE his NECK was BROKE...he was cleared of injury. Except the shiner that would soon develop!! Almost 8 months later he STILL has a bump under his eyebrow!
*He turns my hair grey, makes me laugh a 100 times a day, and his wit and humor amaze me.
Danny: Fills his days daydreaming of the empty nest that seems so close now! ;) We have plans to go to the beach very soon, and he's got some really big plans of doing absolutely nothing except a little fishing! He keeps busy with the endless honey-do's, fair board president, fence building, pig raising, cattle raising, baseball watching, (GO ROYALS!) and boy raising, in addition to his full time job at the wood shop here in town.
Becky: And me... This past year was full of a lot of personal changes. I can't tell you what happened, but for a long time I felt stuck. Like my brain was dying. Or a better way to describe it I guess is I just felt lost. My kids are almost grown..I have no idea how to be this person in the stage of life.
So one day I decided it was time to step it up, and I decided to take on getting my CDA in family child care. This required me have 480 hours of professional work experience, have 120 hours of formal early childhood education training, pass a written test, prepare a CDA portfolio, and pass a verification visit with an observer. It took me right at a year to complete everything. I was officially awarded my CDA on August 2nd!
I also finished my 2nd half marathon in May. I took 15 minutes off my last half, walked outside of the runner's world set up at the run, and barfed all over my new Saucony's. But it was totally worth it! HA! (And then I was the girl who had to walk THROUGH the HYATT, to get to our room... with BARF on my shoes.) I'm signed up to do another in October, and I'm hoping to take a little more time off. I'm still slower than snails, but I finish! I also hit a PR for my 5K time in December. The things I do for fun these day were not even on my radar 4 years ago. I try to remember that when I start to feel bad about slow weight loss journey!
I've enjoyed the Iris show in my yard this year. This beauty above came from a sweet older man at the farmers market in Dodge. He tossed it in with the rest of my purchase, and told me it was GUARANTEED to make me smile. He was right!
The garden is in, and everything has enjoyed the spring rains we've been receiving! Along with my normal vegetables I plant, this year I added several rows of different kinds of flower seeds in hopes of attracting even more pollinators.
Thanks for checking in on me, and if your still reading this tired old blog, BLESS YOU! Maybe I'll start blogging a little more. Or maybe I won't. ;) But I promise it won't be a year before I update again. I have blog shame!
Wednesday, May 31, 2017
Well, HELLO!!
Holy cow!! Has it really been over a year since I've blogged anything?? WOW!! Thought I'd bounce in here and give you all a very over due update on our family!!
Posted by Becky at 5:24 PM 1 comments


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A couple of weeks ago an unusual thing happened to me. One of my neighbors knocked on my door. I haven't lived in my current house long, and he just wanted to tell me that his lawn mowing had blown some grass clippings in my driveway and to assure me that he intended to clean it up. I certainly wasn't worried about grass clippings in my driveway, but it was a polite way for my neighbor to introduce himself, and I was glad that he did. He's a nice guy.
Afterward, my housemate remarked that it was strange for someone to just knock on the door. Typically when that happens it's some sort of solicitor, and I'd just as soon pretend I'm not home as answer it. He said that he's actually annoyed when someone knocks on the door unexpectedly. If it had been a friend, he said, we'd have known they were coming.
We considered how we came to have this attitude of preferring to avoid unannounced visitors. It occurred to us that this is the same way we feel about receiving calls from unrecognized phone numbers. I don't know about you, but I usually ignore those calls, because again, it's typically a solicitor. The unexpectedness of a visit or phone call implies that it's likely to be unwanted. That small bit of information is what we're acting on when we decide to ignore a knock on the door or a ringing phone.
He mentioned that when he was young, it was common for family friends to drop by unannounced. It was a normal social practice. But it doesn't happen any more. We concluded that the ubiquity of cell phones is at the root of this change. We know now when someone is on their way over because they—knowing that I always have my phone with me and they theirs—will call (or more typically text) to let me know they're coming. I usually don't even need to answer my door. If I'm expecting someone, I just make sure the door is unlocked so they can just walk in.
This change in attitude toward visiting someone's home is sort of an unexpected side-effect of cell phone technology. I wouldn't have guessed that the portability of telephones would lead to a shift in attitude toward something that isn't obviously related to telephones. It made me think: what other technologies might have unexpected effects on our attitudes toward common social practices?
Some days later I was driving on the highway. There was some traffic and I got to thinking, if only everyone would drive exactly the same speed, there would be no traffic. Then I thought, those Google self-driving cars could do that. In fact, those Google self-driving cars could probably do it much more safely and efficiently, with smaller gaps between cars even at high speeds. I suspect they could merge in and out of traffic with flawless precision. There would be no traffic bottlenecks at major junctions. Maybe I'm expressing more confidence than the technology merits, or maybe anyone who doesn't is a technophobe. (There. I said it.)
Then I got to thinking about how different traveling by road would be if every car on the road was self-driving. Not only would you probably get where you're going faster, because of the elimination of most traffic problems (like some idiot doing 55 in the fast lane), you'd also know exactly and reliably when you would arrive at your destination. No longer would "traffic" be an excuse for showing up late. And you couldn't fudge it. If you left behind schedule, there would be no making up the time by driving extra fast. The self-driving cars would always move at the same speed. Robot cars have no sense of urgency.
Furthermore, since there would be no driving extra fast, there would be no breaking the speed limit. Maybe the notion of a speed limit would become nonsensical, since the self-driving cars wouldn't travel at some range of speeds with an upper limit, they would travel (except while merging) at exactly one speed. Probably other kinds of traffic laws would become obsolete as well.
Think about how common it is to exceed the speed limit, and think about how you feel when you suddenly notice a police cruiser on the road behind you, or on the side of the highway. Maybe you don't do this, but I immediately feel tense, nervous, guilty. Maybe your stomach lurches a little. Maybe you reflexively take your foot off the gas. I do all those things, even if I'm driving below the posted speed limit. I feel like a criminal, who will suffer or avoid punishment, only on a whim of some guy in a uniform. (Who does he think he is?! Ugh! Cops!)
Now think about how you react to seeing a police officer while you're both on foot. You don't feel guilty. You don't feel nervous. You probably feel safe. You might even smile or nod. You don't have to avert your eyes for fear he'll memorize your shifty face so as to apprehend you later. When you're on foot, police are there to protect you, not to persecute you. The only trouble is that this doesn't happen all that much. The bulk of a typical (non-criminal) person's experience with police is on the road, where we're suspicious of them, the threat of punishment implicit in their mere presence.
I suspect this is a common attitude toward police. When you're on foot, they're your allies. When you're behind the wheel, they are symbols of authority who are only out to enforce laws against you. My prediction is that if self-driving cars were common, people's attitude toward law enforcement would change dramatically. Most people's negative experience with the police are over speeding tickets. Since self-driving cars would make the very concept obsolete, the negative experiences (including anxiety) about contact with police would be eliminated (except maybe for parking tickets).
Sure, there are other reasons people might have negative attitudes toward law enforcement. But I'm willing to bet that most folks are like me. If I didn't think that all cops were out to give me speeding tickets (because of some insidious quota program that the state will obviously deny, but I know better), I'd be likely to have a much more positive attitude toward them.
I know this isn't really a big deal. It's not going to change our lives in any really significant way (more than self-driving cars would already). I know attitudes toward police aren't a serious societal problem that many people give much thought to. And I know that self-driving cars are technologically possible now, but economically a long way off. This is just an exercise in thinking about the ways technology might change our lives in ways we don't expect at first. It's an exercise about excitement for the ways in which our lives might be different, and better, due to minor, indirect effects of new technologies. Sure, I'm being optimistic, and sure, you can be be a future-dreading techno-pessimist if you want. But the future will arrive in spite of pessimists, and there will be myriad benefits for those of us who embrace it.

subset: commoncrawl


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I'm a big fan of the director Spike Jonze (Adaption, Being John Malkovich) and I'm looking forward to his upcoming adaption of Maurice Sendak's Where the Wild Things Are. He's a master at music videos and commercials.
Here are two great Jonze commercials.
This Gap ad ran in only a few cities back in 2005.
There are two versions floating around the Internet. I prefer this one.


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July 17, 2014
Book Review - Just One Evil act by Elizabeth George
This is an Inspector Lynley story but it truly belongs to his sidekick DS Barbara Havers. Barbara, the shambolic, Barbara the determined and Barbara the passionate are all invoked her as she desperately tries to help her friend and neighbour Azhar, who is trying to get his daughter back. Barbara will be pushed to the limit of her professional ethics and her unacknowledged love for Azhar and for his daughter, Haddiyah, the nine year-old at the centre of the plotting and counter-plotting. This is a dense and complex novel yet immensely readable. At 700 pages, you need to set aside some decent time but you will be rewarded. George knows her characters intimately and she introduces the Italian countryside and some marvelous Italian characters in weaving this story. I was going to say it contains many shades of grey rather than just being black and white – I think I will anyway and try to reclaim the phrase! Wendy
Posted by Camden Council Library Service at Thursday, July 17, 2014
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DWTS Search Engine Round-Up – Week of June 3, 2011
Buckle in, kids – we've got a lot of interesting stuff to chat about today 😉
Maks & Cheryl in Vegas/Maks & Cheryl kissing
Oh boy – I think I was secretly wishing that no one would ask about this, because I feel kind of odd giving any more attention to what has become a Twitter firestorm. But no such luck…*sigh* The basic gist: some pictures surfaced of Maks apparently kissing (I say apparently because his rep insists he was "whispering in a fan's ear") a dark-haired chick in a black, backless dress over the weekend in a club in Vegas. Cheryl has long, dark hair and was wearing a black backless dress that night. The two have been good friends for quite some time, and I vaguely remember some questions about a possible romance between the two in season 7. So for me, it wouldn't be a total stretch if these two suddenly became amorous – if even for one night after a few too many drinks (lord knows I had a few nights in my younger, wilder days where a guy friend started looking like more than just a friend after I got a few gin & tonics in me – ooh wee, that required some damage control the next day!). Not that I care enough to really debate it – so what if Maks & Cheryl are getting cozy??? More power to 'em – they both have had a rough go of it in the relationship department the past few years…maybe dating someone they've been friends with for a long time will be good for both of them. The only thing I will contest is this: if they weren't kissing (as his rep insists), then I've been doing it wrong all these years – as well as whispering in peoples' ears. Apparently that's done via mouth-to-mouth contact. Glad Maks' rep could clear that one up for me 😉 Hahahaha…I IZ NOT STOOPID, Maks' rep. Oh, and to those who intend to scold me for posting a link to the pix – spare me. People came here wanting to know about it; I'm gonna give them full disclosure. If they do a basic google search, they're gonna find 'em anyway. Plus there's some other hella funny pix in that gallery – including a few of a very intoxicated-looking Teddy V. wearing a cardigan that's about 3 sizes too small and some dorky glasses. Bahahahahaha!
Total votes for DWTS finale/How many votes did Hines get?
HA. If you think this info is readily available to the public – keep dreaming 🙂 I can't recall if they've ever revealed the grand total of all the votes cast for a finale – they've hinted at percentages and margins (much like Heidi does in her By the Numbers posts) and made vague statements such as "the most votes we've ever had cast for a finale!", but I don't think they've ever said "x number of votes were cast last night". The votes are tabulated by an independent audit firm (don't ask me which one) and I'm guessing they're paid handsomely for their confidentiality. Really, guys – revealing the vote totals is kind of like insider trading…it provides the viewer with information that allows them to further manipulate the outcome of the show. If you know that Hines needs x% of votes to pass Ralph, and that there are x votes being cast – that basically tells you exactly what needs to be done to ensure Hines sticks around. It takes away some of the element of surprise, and also tends to benefit those at the bottom of the leaderboard – they then have a pretty good idea of how hard they need to vote to keep Joe-Schmoe-Sucky-Dancer around another week. On top of that, I'm fairly certain that ABC gets revenue for every vote cast…and if the viewers know that they only have to cast a finite number of votes to save their favorite, they're less inclined to "vote like crazy" – and hence, less $$$ in the pockets of TPTB. I know that a lot of Kirstie fans who were upset at the outcome of the finale were petitioning to get the vote totals released to the public – it's not going to happen, but if it did, then it would just give disgruntled fans more fodder for complaint. We'd have people demanding recounts, debates over the elderly not voting properly due to impaired vision, hanging chads, etc…oh wait, wrong election 🙂 Anywho – don't hold your breath for ABC to fold and announce the vote totals. Just accept that the show will never be 100% fair, or will even be a "full disclosure" type of show.
When does DWTS season 13 start?
September 19, 2011 🙂 Which makes me think that the cast announcement will happen roughly 3 weeks before the premiere, likely during the finale of The Bachelorette…I'm guessing August 29 (don't quote me on that). If that's the case…we can probably expect the official annoucement of the couples on August 31, and the official cast pictures on August 2. The show itself may be unpredictable, but at least the timetable for it is pretty finite 🙂
DWTS gifting suites
Oh, what I wouldn't give to be on the receiving end of some of the free stuff that gets lavished upon the pros, celebs, and crew at DWTS 😀 From what I've heard, it's right up my alley – lots of fun girlie stuff, like skincare products, makeup, jewelry, etc. Perhaps the most exciting item gifted to the cast this season was jewelry from Anne Koplik Designs, the official jewelry designer to the show. Some of the jewelry I've seen from them has been absolutely EXQUISITE – check it out for yourself here. Wish you could nab some fab free stuff from them? WELL YOU'RE IN LUCK!!! Stay tuned, kids, because a little birdie (John) told me that we're going to be doing another jewelry giveaway sometime soon, courtesy of the lovely folks at AKD (follow them on Twitter @AKoplikDesigns!). Word on the street is that this time, we're going to be giving away a ring 😉 I've seen it, and it's every bit as gorgeous as the earrings from Kym's samba and the earrings from Chelsea's Argentine tango that we gave away earlier this season. Among the other items I've heard given away in these suites are Boscia skincare products (yet another thing Anna & I have in common, besides our red hair, asthma, & dance skills – a love of Boscia!) & Gleam by Melanie Mills – a shimmery body makeup created by the head makeup artist at the show, which makes everyone's skin look FLAWLESS. I was fortunate enough to get a sample of it (shout out to Candy at Gleam for hooking me up!) and let me tell you – it's UH-MAY-ZING. Smells delish (very light coconut/vanilla fragrance), makes skin smooth & even-looking (even if you don't have a tan!) and best of all – it doesn't rub off on your clothes/furniture/boyfriend/etc. Yes, I am in full-on Romeo Miller plug mode right now 😉 Some of the celebs & pros have also gotten in on the gifting action – I believe I heard Cheryl gave out copies of her book, and according to Rick Fox, The Situation was a "walking gifting suite", doling out samples of his jewelry, vodka, & iPhone app to anyone & everyone involved in season 11 😛
Brooke Burke has a crush on Ralph
This probably stems from Brooke's appearance on the Rachael Ray show on May 24, where she admitted that Ralph was her "childhood crush" and she had pictures of him plastered all over her bedroom. Wonder how Ralph reacted when she shared that gem 😛
Will Derek/Mark/Maks be back next season?
Our best answer: time will tell. When it was announced back in January that Derek would be sitting out this season to film Cobu 3D, both Derek & Conrad seemed to state with certainty that Derek would be back for season 13. However, Julianne has said the same thing in the past about "definitely" coming back to DWTS – and we have not seen her for 4 seasons now, due to her music & blossoming movie career. I think it's safe to say that, barring some catastrophic scandal that blackballs her from both Hollywood & Nashville…she's never coming back to DWTS. Sorry kids. Now Derek may have every intention of coming back (or maybe not, after the fiasco of this season), but if offered another movie role – what's to say he won't take it? As for Maks – I could have sworn Vogue did a post where Maks says in an interview that he's unsure of whether he's coming back, but of course – I cannot find it. Hopefully I didn't hallucinate that…feel free to hop in & link to it, Vogue! However, Tom seemed to allude in a recent interview with EW that Maks might not be back, since the famed "Tom Bergeron ass pinch" is being retired. I can't say I wouldn't blame Maks for either sitting out a season or calling it quits at the show – I can imagine the past 3 seasons have been rather frustrating for him (3rd place w/Erin, getting axed before the finale with Brandy, & runner-up this season), and he's also got his hands full with opening a new dance studio in CA that he's going to be co-owning with Tony – not to mention several other successful studios on the east coast. Maybe now's a good time for him take a break and recharge. And then there's Mark. *sigh* I have heard nothing of any merit that suggests he won't be back next season – however, judging from the reaction of a lot of fans both here and on Twitter, it seems like a widely-held opinion that Mark could benefit from some time away from the show. His choreography (and behavior) the past few seasons seems to have deteriorated, and he seems to be investing more and more time & effort into his music…and hence, less effort into the show & his partners. Perhaps he too could use a break. Unfortunately, though he probably SHOULD take a break – I don't think he will. He seems to crave the attention it brings him. As for all 3 – we'll only know their plans for sure come mid-August, in the week or so preceding the cast announcement. That's when the pros usually start announcing whether or not they're going to be on the fall season. And Heidi does a SUPERB job of keeping up with all the Twitter madness during that period 🙂 So stay tuned!
*facepalm* Is this yet another one of you kids' freaky fetishes??? LOL. I mean, y'all have a D-Hough foot fixation, a Shirley Ballas boob obsession, and you wanna see Mike buck nekkid? Those 3 I can understand. But CAMEL TOE???!! Oy vey. I daresay it's only been mentioned once at PureDWTS – in an edition of Who Wore it Better – and I believe Heidi chastised me for even mentioning it. Now I know why. 🙂


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Browsing Yesterday & today = Gister & vandag by Subject "Youth agency"
Now showing items 1-1 of 1
Analysing the construction of South African youth in historical-related images and texts around the time of 16 June 2011. (The South African Society for History Teaching (SASHT) under the auspices of the School of Basic Sciences, Vaal Triangle Campus, North-West University, 2012)This paper aims to investigate how young people in post-apartheid South Africa are being constructed in negative waysin the light of how we commemorate and teach the Anti-apartheidstruggle. Is it possible to teach the ...


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My biography can be found at the Cato Institute as well as at this site.
My most recent book is Schools for Misrule: Legal Academia and an Overlawyered America (Encounter, 2011). You can learn more about my earlier books (The Litigation Explosion, The Excuse Factory, The Rule of Lawyers) here.
My main website is Overlawyered and I also contribute regularly to the Cato Institute's blog, Cato at Liberty. I founded and formerly edited the Manhattan Institute's Point of Law.
You can browse many of my pre-2000 writings here. I was a columnist for Reason magazine 1997-2000 and you can browse my contributions to the magazine here.
The Cato Institute, at which I'm a senior fellow, is here. I was formerly (until 2010) with the Manhattan Institute.
You can email me at info - [at] - walterolson - [dot] - com or wolson - [at] - cato - [dot] org.


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Facebook Is Building an Eerie Cult Temple
Facebook just filed plans to massively expand its campus into a largely self sufficient complex, complete with doctor's offices, laundry services, tribal "garages," and an open pit for roasting dead animals. Just in case the social network and its 27-year-old CEO didn't resemble Lord of the Flies enough already.
Facebook recently decided to relocate its 1,500 workers from Palo Alto, California to a former Sun Microsystems office in neighboring Menlo Park, which can legally accommodate 3,600 workers. The company just filed plans to expand and add to the new campus so it can accommodate 9,400 employees, according to the San Jose Mercury News, in part by erecting a new cluster of buildings across the freeway from the old Sun offices, and connecting the two clusters with an underground tunnel.
It sounds like the new "office" will be more like a barracks and rally grounds for Facebook's work-til-you-drop warrior culture, complete with a...
...two-story projection screen in the central courtyard of the East Campus, laundry services, an open pit barbecue and boutique coffee stand, and even a doctor's office. Facebook plans to install garage doors throughout the complex to echo a Silicon Valley touchstone — the startup garage — as a symbol of the creative, collaborative and scrappy culture Facebook hopes the new campus will embody.
There's no word yet on whether CEO Zuckerberg will personally kill the pigs and cows and goats and chickens and lobsters and Googlers and Winklevii roasted for his minions, per his custom, or whether the dress code in these "garages" will permit loincloths, or whether the Big Brother screen will ever feature a Two Minutes Hate.
But we'd lay good money that Facebook will eventually move this freaky cult compound to its own island via submarine (and, probably, via Peter Thiel). Which given the rapidly deteriorating state of this country would probably be wise.
[Photo via Getty]


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Long-term mutual funds had $2.5 billion of inflows in September, Morningstar reported Friday, as international equities attracted investors.
On the downside, municipal-bond funds experienced their seventh straight month of outflows, and taxable-bond funds had their fourth straight month of redemptions.
Sentiment also turned against U.S. equity funds, which had their largest monthly outflow so far in 2012: $3.3 billion. But this level of redemptions pales in comparison with $9.1 billion in average monthly outflows in 2012, the Chicago-based research group reports.
In the first nine months of 2013, international equity mutual funds have brought in $103 billion. "While alternative mutual funds had the fastest growth relative to assets, the growth is largely driven by just one fund," said the Morningstar report, written by Michael Rawson. "For the quarter, money-market funds brought in $92.3 billion compared with $11.1 for long-term mutual funds and $53.2 billion for exchange-traded funds."
Global Horizons
The foreign large-blend, world stock and diversified emerging-markets categories had strong flows of roughly $2.4 billion, $1.9 billion and $1.1 billion, respectively.
Gold-rated Oakmark International (OAKIX) led all international-equity funds, with inflows of $1.4 billion in September.
Unfortunately for investors, the fund closed on Oct. 4 due to the tremendous growth of the past 12 months: $24.2 billion in assets vs. $9.5 billion a year ago. Its 40.79% return in last year puts it in the top 1 percentile of the category, according to Morningstar.
"Flows to international funds have been fairly balanced between active and passive. Combing mutual fund and ETF flows, actively managed funds have had inflows of $76.4 billion compared with $62.0 for passive," Rawson noted. "Within the U.S. equity category, active has seen outflows of $16.5 billion compared with $100.1 billion of inflows for passive."
Despite posting better returns since rates began to rise in May, large-growth funds have suffered heavier outflows than large-value funds, the research group says, including the silver-rated Fidelity Contrafund (FCNTX), bronze-rated T. Rowe Price Growth Stock Fund (PRGFX) and neutral-rated Invesco American Franchise (VAFAX).
Still, the Delaware U.S. Growth Fund (DEUIX) bucked the trend with inflows of $462 million.
Within the alternative category group, the bronze-rated MainStay Marketfield (MFLDX) brought in $1.7 billion for the month and $10.2 billion in the first nine months of 2013. This long-short equity fund has produced returns of 13.17% annualized over the past three years through Sept. 30 vs. 16.27% for the S&P 500 and with less volatility. Its assets are up nearly five-fold from 12 months ago, Morningstar reports.
Equity funds post their fifth consecutive quarter of positive returns, according to data released by Lipper in early October. Their average returns were 7.32%, with world-equity funds improving 8.46% in the period.
U.S. diversified-equity funds ticked up 7.31%, sector-equity funds 5.28% and mixed-asset funds 4.03%. On the downside, dedicated short-bias funds weakened 12.83%, India funds 7.79% and real-estate funds 2.64%.
Fixed Income
Investors yanked $12.2 billion from intermediate-term bond funds in September, according to Morningstar.
"The 10-year Treasury rate marched higher throughout most of the third quarter before falling slightly following the Fed's surprise decision to delay the removal of stimulus, ending September at 2.62%," explained Rawson. "That is up from 2.48% at the end of the June, a month in which rates spiked and investors pulled a record $24.4 billion from the intermediate-term bond category."
Gold-rated PIMCO Total Return (PTTRX) shed $5.4 billion in September and $28.1 billion year to date. The fund had returns of 1.77% in September and -1.89% in the first nine months of 2013.
Neutral-rated DoubleLine Total Return (DBLTX) produced a 0.29% gain year to date, but had outflows of $2.1 billion in September.
Since March, municipal-bond funds have lost $48 billion to outflows, and their returns have fallen 2.55% in the first three quarters of 2013.
The silver-rated Vanguard Intermediate-Term Tax-Exempt (VWITX) had $525 million of outflows in September, while the JPMorgan Intermediate Tax Free Bond Fund (JITIX) lost $449 million.
On the upside, the bronze-rated Oppenheimer Senior Floating Rate Fund (OOSIX) drew $1.3 billion in assets last month, while the neutral-rated Goldman Sachs Strategic Income Fund (GSZIX) brought in $1.9 billion and the bronze-rated BlackRock High Yield Bond Portfolio (BHYIX) $567 million.
For the quarter, high-yield funds had the highest average returns, up 2.21%, Lipper reports, while the worst-performing group was high-yield muni- debt funds, which lost 2.46%.
The only group with a positive 'Q2 return "stayed on track and produced a return of 1.23% for Q3," shared Jeff Jornehoj. "Municipal debt funds took a beating for the first two-thirds of the quarter before a late rally lifted prices; they finished with a return of -0.83% on average for Q3."
Check out these related stories on ThinkAdvisor:
- Bond Outflows Top $80 Billion
- Investors Embraced Equity & Credit Risk in July: Morningstar
- Target-Date Funds Post 'Respectable' Results: Ibbotson
- June Long-Term Fund Outflows Worst Since 2008: Morningstar
Read the full Morningstar report.


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What is Charge Sheet?
The concept of charge sheet is derived from criminal law. Under the criminal procedure code the Magistrate frames the charges. In case of investigations made by the police, in terms of Sec.173 of Code of Criminal Procedure the officer in-charge of the police station shall forward a report in the form prescribed to the Magistrate empowered to take cognisance of the offence. The magistrate can discharge the accused person, if on consideration of the document, the charge is deemed groundless. Otherwise the magistrate is to frame the charge. In disciplinary inquiries in public and private employment the disciplinary authority frames such a charge, if he thinks fit to do so.
Basic Ingredients of a Valid Charge Sheet
The charge sheet pin-points the lapses of the employee. It is a document of indictment. The employee is called upon to explain properly or else the charges are deemed proved. But then the employee is not going to oblige and accept the charges. Issuing a charge sheet therefore calls upon the inherent obligation to prove the facts mentioned therein. It is easier to make allegations, but not so to substantiate the same, unless sufficient homework is done and proper care is taken in the expression of the allegations. It is possible to prove the charges, if the facts are correctly mentioned and supporting material by way of proof is readily made available. The employee could have in fact committed lapses bordering serious misconduct, and there could be material in support of the same. But it needs special skill to understand the exact lapses of the employee and state the same in precise terms, as is seen in the material placed as evidence. An objectivity of the mind, free from malice and bias towards the charged officer is needed to draft a proper charge sheet.
The charges should be specific and should not be expressed in generic or vague terms. Suspicions, assumptions or surmises expressed cannot constitute grounds for awarding punishment to the employee. What is needed is categorical statements. There is to be material information. Taken together, these material facts should convey an act/acts of misbehaviour and these have to be conclusively established through documents or witnesses. The documentation of the charge sheet, has, therefore, to be expressed as the initiator or pre-enquiry presentation of the allegations and thus to serve as the prime or basic record in a disciplinary case. There has to be an inherent harmony between the allegations expressed and the supporting material produced.
Charge of misconduct should not be vague. If it is so, it can be said rules of natural justice have not been followed. If the charge sheet is vague there is no reasonable opportunity to show cause. The charge sheet must be specific and must set out all the necessary particulars, irrespective of the fact, whether in view of the previous preliminary inquiry the delinquent officer knows about the charges.
What is meant by vague? Vague can be considered as the antonym of the word 'definite'. If the ground is incapable of being understood or defined with sufficient clarity, it can be called vague.
Whether Vagueness of the Charge will vitiate the Inquiry?
The government servants have got protection under Article 311 of the Constitution of India and their services can only be terminated after giving them reasonable opportunity to show cause. The reasonable opportunity implies that the charge sheet should not be vague. If the services of an employee are terminated in disregard to provisions of Article 311 then the dismissal is wholly void and the enquiry is vitiated.
Even when the employee have got no constitutional protection, the vagueness in the expression of the charge may prejudice the employee and disable him from properly understanding the implications and submitting his defence. If this happens the enquiry is vitiated.
There can be no hasty action. The competent authority should first order an investigation and call for the facts and then only he must issue a charge sheet. But if he were to issue a charge sheet, even before a regular investigation was done, one will find it difficult to draft a charge sheet setting forth precisely the lapses of the officer.
Drafting of Charge Sheet - Constituents of Charge
1. Time and place of the misconduct. Time and place are sometimes constituent of the charge itself.(e.g. riotous behaviour within the office premises and during office hours). Even when the time and place do not constitute an essential part of the charge, still they should be mentioned, so that the incident may be specific and concerned employee may be able to meet the case.
2. Each incident constituting misconduct should be stated as a separate charge.
3. The specific name of the misconduct should be mentioned. This is done by referring to the specific provision of the Code of Conduct Regulation, that has been violated.
4. In case of habitual committal of the misconduct is made, the word 'habitual' should be mentioned. The past record showing the habit should also be given.
5. When the time of the incident involving the misconduct is material and is given, the employer should always mentioned the word 'about' or 'around' i.e. 'about 2.00 pm' or 'around 2.00 PM'. Even if it is proved that the employee did not commit the misconduct at 2.00 PM, and it had taken place at 2.10 or 2.15, the use of the word will save the situation. On account of the difficulty of being very precise the charge is technically defective if either of the words mentioned is not used.
6. Charge sheet should contain facts instead of mere inference or judgement from facts. Mere use of words like "insolence" or "unsatisfactory work", "negligence", "misbehaviour or indiscipline" cannot constitute a misconduct, unless supported by information about material incidents corroborating the words used.
7. The time allowed for submission of reply by the delinquent officer and a statement that if no reply is received within that time, it will be presumed that the delinquent officer has nothing to reply and that he has admitted the charges and further action on the charge sheet will follow accordingly. However despite this statement, if no reply is received, an oral inquiry should be conducted, after expiry of time allowed for the reply.
The Central Vigilance Commission has stressed the importance of documentation of the charge sheets in precise and clear terms and has also pin-pointed the omissions in this important formality observed frequently. The contents of their circular letter No.3(v)/99/8 Dated the 5th October,1999 is appended hereunder for an understanding of the importance of this prime formality.
Defective Framing of Charge Sheet - Adverse Effects
(Observations of CVC about Inadequate skill in Drafting Charge Sheets)
Inadequate skill in drafting the charge sheet is one of the reasons that help the charged officials to get away with lapses/misconduct committed by them. Many cases fail before the Courts of Law just because of the defective framing of charge sheets. It has been observed by the Commission that the charge sheets are sometimes framed in a very general way and the existing practice with regard to framing of charges and imputations vary widely.
1. Sometimes the charge itself is framed in a very general way, only pointing out that the official concerned has acted in an unbecoming manner or has shown lack of devotion to duty or has acted without integrity. The real issues, in such circumstances, are to be found in the statement of imputations. It has also been observed by the Commission that the organisations/Ministries etc. while framing the charge sheets list serious irregularities/charges in the imputations but do not mention the same in the articles of charge.
2. Many a times the charges are not framed in accordance with the advice given by the Commission, thereby diluting the central issues.
3. Rule 14(3)(i) of the CCS (CCA) Rules stipulates " the substance of the imputations of misconduct or misbehaviour into distinct articles of charge" should be drawn up by the Disciplinary Authority whenever it is proposed to hold an enquiry against a Government servant. This would mean that no charge could be proper or complete without including therein elements of the main content of the allegations/imputations. Therefore, the spirit of all Conduct, Discipline & Appeal Rules imply that there should be a specific finding on each allegation made against the officer. At the end, the Inquiry Officer must then apply his mind to come to a conclusion as to whether the charge as a whole has been proved wholly, partially or not at all.
4. It has to be understood that the statement of imputations/ allegations annexed are supplementary/supportive material to the charge sheet; they are details of facts/evidence to support the charges made, and should contain names of witnesses/documents in support of the charges. That is, the statement of imputations is to make the basis of the charge, allegation-wise, precise and specific and should include details of what exactly each witness/document is going to prove regarding every charge.
5. Each charge should also have a separate statement of imputations of misbehaviour/misconduct. The common failing of listing out one long statement of misconduct/misbehaviour ought to be avoided.
The Commission has also issued instructions earlier that are reproduced in Para 14.1 to 14.3 of Chapter X of Vigilance Manual Part I stipulating that the articles of charge should be framed with great care. Broad guidelines as to how the articles of charge should be framed have also been indicated therein. Similarly, the common mistakes that have been noticed by the Commission in framing the charge sheet have also been incorporated in Para 12.1.3 of the special Chapter on Vigilance Management in Banks and Para 20.1.3 in the Special Chapter in PSEs. These are reproduced below:-
"Special care has to be taken while drafting a charge-sheet. A charge of lack of devotion to duty or integrity or unbecoming conduct should be clearly spelt out and summarised in the Articles of charge. It should be remembered that ultimately the Inquiry Officer would be required to give his specific findings only on the Articles as they appear in the charge-sheet. The Courts have struck down charge-sheets on account of the charges framed being general or vague (S.K. Raheman Vs. State of Orissa 60 CLT 419.) If the charge is that the employee acted out of an ulterior motive that motive must be specified (Uttar Pradesh Vs. Salig Ram AIR 1960 All 543).
Equally importantly, while drawing a charge sheet, special care should be taken in the use of language to ensure that the guilt of the charged official is not pre-judged or pronounced upon in categorical terms in advance.
(Meena Jahan Vs. Deputy Director, Tourism 1974 2SLR 466 Cal).
However, the statement merely of a hypothetical or tentative conclusion of guilt in the charge, will not vitiate the charge sheet
(Dinabandhu Rath Vs. State of Orissa AIR 1960 Orissa 26 cf. Also Powari Tea Estate Vs. Barkataki (M.K.) 1965 Lab LJ 102)".
Notwithstanding the extant instructions/guidelines many organisations continue to make avoidable mistakes while framing the charge sheets. Therefore, it is reiterated that the extant instructions on the subject as stated in the aforesaid paragraphs may be followed carefully while drafting the charge sheet, in order to avoid subsequent difficulties. The CVOs of the organisations/Ministries etc. should ensure that these instructions are implemented scrupulously.
In addition as already summarised above, an IO is required to give his finding in respect of each article of charge and reasons thereof. As the articles of charge are definite and distinct substance of the statement of imputations of misconduct or misbehaviour, the findings on each articles of charge have to be inter alia based on statement of imputations. Therefore, the Inquiry Officers are required to record their findings in respect of each allegation framed in support of an article of charge in order to ensure that inquiry reports do not suffer due to deficiencies.
[Source Circular instructions No.18 of CVC bearing office No. 3(v)/99/8 dated 5th October, 1999 on the subject "Drafting of charge- sheet"]
Drawing List of Lapses from the Report of Investigation
Various lapses of the delinquent officer listed in the Report of the Investigation should be grouped category-wise and they should then be graded according to their severity. Discretion should be exercised whether to include minor lapses, along with more serious one, as it puts a severe load on the inquiry proceedings, by way of producing several dozens of documents and witnesses from both sides. When there are a number of lapses of the same category, it may be sufficient to make a general statement and give only a few salient cases as examples, instead of reproducing all such individual instances. If there are large number of minor lapses, it may be advisable to issue a separate charge sheet under minor penalty procedure, so that the core items of irregularities are only included in a compact charge sheet issued for major penalty, for which alone oral inquiry is to be conducted.
It is advisable not to group different types of lapses in a single charge sheet, i.e. lapses with vigilance angle, administrative misconduct and technical or procedural lapses (including negligence).
Similarly it is wrong to issue a consolidated charge sheet covering the entire tenure of an officer spread over 3 to 5 years at a branch. Does it mean that the watchdog was asleep for all three years or more, and wake up only leisurely, for a one-time vigilant action, and trying to clear all the old arrears, on a wholesale turnover stretching half-a-decade?
Other Frequently Observed Deficiencies in Issuing Charge Sheets
Age-old lapses should not crop up at the time of the retirement of the officer, for a last minute encounter. These is in bad taste, and reflects the Disciplinary Authority, himself not adhering to discipline. When there is inordinate delay in taking action, it leads to the logical surmise that the management has condoned the misconduct, and dropped the case already.
Charge sheet should not be issued without holding the supporting evidence on hand. It is violative of the provisions of the DA Regulation. After issuing the charge sheet, the presenting officer should not be asked to gather evidence, but to present the evidence already gathered. It is not the function of the presenting officer to search for and locate evidence, which would imply that the charge sheet was issued originally without supporting evidence.
For one and the same set of transactions different officers should not be charge sheeted separately at different occasions, but such charge sheets should be drafted and issued as a single exercise, to be covered by one single common proceeding.
The Branch Manager is responsible for the work and integrity of subordinate officers reporting to him at the branch. Primary responsibility for the lapses of the group, may stick to the Branch Manager. But however in respect of more serious lapses, the Branch Manager should not be singled out, and charge sheeted exclusively. When there is a role for a second/junior officer, he also must be made accountable.
In fact from the study of the wording and expression of statements in a charge sheet, it can be conclusively drawn out, if the charge sheet represents a bona fide disciplinary action initiated, or an exercise in personal vindictiveness.
Posted by Narain Reddy in


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"This music was composed specifically for the birth of my son Taro (January 13, 1993), and is intended to be used during the birthing process.The recording is a single track
"I started in Mary's obstetrician's office, by recording Taro's heartbeat on a Nagra portable field recorder, with a fetal pulse monitor attached to Mary's stomach. Back in the studio, the stereo tape was then transferred to a 16-track recorder and overdubbed. Rhythms were improvised on a Brazilian surdo, a low-pitched resonant double membrane drum. Next, Bobby Vega added bass harmonies. And finally Steve Douglas contributed subtle shadings on a western flute.
"The intent of this music is to facilitate and coordinate rhythmic breathing cycles, assisting the mother's concentration and focus before, during and after delivery."
Music To Be Born By


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The Irish Film and Television Awards (IFTA) has announced the five nominees for its Rising Star Award.
The contenders including Gerard Barrett, the writer, director, editor and producer of Pilgrim Hill; co-directors of Good Vibrations Lisa Barros D'sa and Glenn Leybourn;Citadel director Ciaran Foy; and Jack Reynor, star of What Richard Did, which dominates the IFTA's with 10 nominations.
The winner will be selected by a special jury and aims to highlight exceptional new and breakthrough talent working in all areas of the Irish film industry.
"These four exciting Irish stars have shown themselves to be world class talents in their respective fields and I have no doubt that they will be counted among the wealth of leading Irish talents over the coming years," said Áine Moriarty, chief executive of the Irish Film and Television Academy.
Previous Rising Star Award recipients include last year's winner John Michael McDonagh, writer/direct of The Guard; Domhnall Gleeson for his work on When Harvey Met Bob and Sensation; and Tomm Moore, the writer/director of Oscar-nominated feature animation The Secret of Kells.
The 10th Annual Irish Film & Television Awards will take place on Feb 9, broadcast on RTÉ One at 9:30pm.


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What does it mean to "have tomatoes on your eyes?" Find out below…
By Helene Batt and Kate Torgovnick May
It's a piece of cake. You can't put lipstick on a pig. Why add fuel to the fire? Idioms are those phrases that mean more than the sum of their words. As our Open Translation Project volunteers translate TED Talks into 105 languages, they're often challenged to translate English idioms into their language. Which made us wonder: what are their favorite idioms in their own tongue?
Below, we asked translators to share their favorite idioms and how they would translate literally. The results are laugh-out-loud funny.
From German translator Johanna Pichler:
The idiom: Tomaten auf den Augen haben.
Literal translation: "You have tomatoes on your eyes."
What it means: "You are not seeing what everyone else can see. It refers to real objects, though — not abstract meanings."
View original post 1,629 more words


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Events Calendar
Hypnotist Show
One of Fisher's most popular events is back!
Date: September 8, 2019 - September 8, 2019
Time: 7 p.m. - 8:30 p.m.
Location: Cleary Family Auditorium, Kearney Hall
Hosted by the Student Activities Board
See a master hypnotist at work, right in Kearney Hall!
This event is free and open to students.


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With its elevated driving position and rugged looks, the Volvo XC70 is a car for motorists who are always thinking about the next adventure. Well-equipped with a spacious interior, it's a model that loves nothing more than seeing the tarmac run out. Arrange to take a test drive in one of the used Volvo XC70 models for sale in Wrexham by contacting a member of the team at Woods of Wirral Ltd today. Our friendly experts will always be on hand to provide a warm welcome and will offer advice and guidance to ensure you find the right vehicle to suit your requirements.
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The heavenly Holiday Inn Resort® Baruna Bali is a family friendly beachfront resort situated in the secluded area of Tuban. Located only 10 minutes away from Ngurah Rai International Airport and Kuta shopping arcade, our 193 guest rooms and suites are the perfect choice for your family vacation in Bali.


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Here is a great post that kind of explains why....
Wednesday, February 16, 2011
Haven't Been Around Here Much....
Posted by Mom to 5...Daughter of the King at 9:12 AM
6 comments:
- Mel said...
Well now i know how to pray for you. I'm sorry you are struggling with this. I wish I could kick depression in the teeth. Let me know if you need to chat. I'm here for you. Praying hard for you.
Please feel free to stop by: Trailing After God
- February 16, 2011 at 7:18 PM
- boywonder said...
Oh, sister!! I am praying over you as you battle. Praying that the God who chose will show you His great love for you, love that was neither earned, nor can be diminished. Praying that you would KNOW the depths and the heights of His great love for you.
- February 16, 2011 at 7:31 PM
- Kristina G said...
Sending a hug and many prayers your way!
- February 16, 2011 at 7:31 PM
- Mel said...
The LORD will guide you always; he will satisfy your needs in a sun-scorched land and will strengthen your frame. You will be like a well-watered garden, like a spring whose waters never fail. Isaiah 58:11
- February 16, 2011 at 7:45 PM
- Kate Scott said...
Boy do I understand that! The last year has been really rough for me too in that department, and today was exceptionally bad. I am lifting you up in prayer!
- February 16, 2011 at 7:47 PM
- alainaw30 said...
Wish I could stop by and fold some of your laundry...
Hang in there, my friend. I've been walking this road myself lately.
Love you, my "imaginary" friend!
- February 16, 2011 at 10:25 PM


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By Alan Duffy
Newcastle United 4-2 Southampton – Premier League – 24th February 2013
A wonder-striker from Papiss Cissé helped BNewcastle on their way to a thrilling 4-2 win against Southampton on Sunday after the Saints had taken the lead.
One of the most impressive performers in the top division this season, midfielder Morgan Schneiderlin, put the visitors ahead after just three minutes after good work from Rickie Lambert. However, by half-time the Magpies were ahead, courtesy of goals from Moussa Sissoko and Cissé, who fired home a magnificent long range effort courtesy of an assist from back-up goalie Rob Elliot.
Early on in the second period, Lambert got himself on the scoresheet but the Saints' hopes of getting something from this game were shot down by firther goals from Yohan Cabaye via the penalty spot and the unfortunate Jos Hooiveld, who put through his own net.
The win sees Alan Pardew's men go six points clear of the danger zone while Mauricio Pochettino's charges are just three points away from the bottom three.
Photos: PA


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The latest in a series of interviews with artists whose work makes use of or responds to network culture and digital technologies.
Zachary Kaplan: A few months back, I was on my way to your studio just as you posted a picture of Anna Wintour walking down the street (maybe at Prince and Thompson?). At first I thought, "Why is Anna Wintour skulking around SoHo alone, and how great is this photo?". But then I worried, "Jeanette's not going to be at her studio; she's out in the world capturing this picture that seems so 'on brand.'" When I arrived at your studio in Nolita, though, you were there working on some stuff for New Hive. That all of this seemed to be happening at once—the instagram of Anna Wintour, the in-progress montages, the general thrum of your studio—felt very specific.


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Great New Products at IKEA~
|This photo courtesy of Mr. Three. It was taken candidly by him the other day. I laughed when I found it on my camera. The kid has some mad photography skillz for a 4-year-old.
So yesterday, we made a little pilgimage to IKEA to look at their sectionals. But because I am easily distracted in any store that sells decor/furniture/stuff for the house, I couldn't help but notice a few of the fun new products that they had out on the floor. (Although I appreciate contemporary design, I definitely tend more toward the traditional, and I'm glad to see IKEA offering a few more products that are more on the traditional side.)
And I just want to insert here that I have not been approached by IKEA to do this post...this is just some good old-fashioned shoppin' love that I had to share....so here we go.....
This is the Benzy Land Pillow. I think it's just darling. It depicts a treasure map complete with a pirate ship and a whale. It would look fabulous in my boys' bedroom...and they loved it!
Emmie bedding was darling. I love the huge pink buffalo check duvet, and the accent pillows were lovely...the large floral one is actually embroidered! Too bad it's not the right colors for the Princess' bedroom, because it's just so pretty, bright and cheerful.
This is the Songe Mirror and the photo really doesn't do it justice. It is a pretty warm silver color that reminds me of silver leafing and it's very large. It would make a great leaning mirror. I'm thinking it might look good in my Master bedroom. Just sayin'.
Sundero Adirondack-style chair and footstool. I've been wanting some of these for the yard (they remind me of when we lived Back East - closer to the ocean.) And they are a great deal!
So, now I have a longer list of things I
Have a great day~


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November 29, 2017
Giving Back to the Community One Home Sale At a Time
Posted in Community, Windermere Foundation, and Perspectives by Jill Jacobi Wood, OB Jacobi & Geoff Wood
Community has always been a big part of who we are at Windermere. Back in the early days of the company it was pretty simple; we would see a need and help where we could. But as we grew, we realized we could accomplish much more if we had a stronger focus, so we started the Windermere Foundation in 1989 with the goal of helping low-income and homeless families.
Read More >
November 28, 2017
Windermere's Winter Drive Collects over 3,000 Items for Homeless Youth
Posted in Seahawks, Community, and Windermere Foundation by Marilou Ubungen
As part of Windermere's #tacklehomelessness campaign with the Seattle Seahawks, 37 Windermere offices* in King and Snohomish Counties collected new hats, scarves, gloves/mittens, and warm socks for Windermere's "We've Got You Covered" winter drive. The recipient of these donations was YouthCare, a Seattle-based non-profit that provides critical services and support to homeless youth...
Read More >
November 27, 2017
Personalize Your Home with Christmas Tree Centerpieces
Posted in The Home Depot and Living by Merri Cvetan
December is a busy month with Christmas around the corner, so I try to do as many tasks in advance as I can — if not my shopping, at least my decorating!
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November 22, 2017
Food for the Holidays
Posted in Windermere Foundation by Marilou Ubungen
As temperatures cool and the leaves start to change color, we know that the holiday season is upon us. Many look forward to spending time with their families and friends over a home-cooked, Thanksgiving dinner. Unfortunately, many families struggle to put food on their dinner tables every day, let alone a special occasion. That is why many Windermere offices hold food collection drives...
Read More >
November 20, 2017
How are inventory shortages impacting the housing market?
Posted in Economics 101 Videos by Matthew Gardner, Chief Economist, Windermere Real Estate
The shortage of homes for sale has been a major concern for buyers and real estate agents over the last few years. Windermere Chief Economist, Matthew Gardner, explains the impact these shortages are having on the housing market.
Read More >
November 13, 2017
November Home Maintenance Checklist
Posted in Long & Foster and Living by Suzanne Whitenight Pilcher
November brings a transition to shorter days, colder weather and spending more time indoors. It also brings anticipation, planning and preparation for Thanksgiving and the upcoming winter holidays. Our checklist this month includes small, quick and easy tasks you can do now to get a jump start on your holiday hosting preparation so you can enjoy friends and family when they arrive.
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November 13, 2017
Windermere Hosts Chinese Real Estate Leaders During Four-City U.S. Tour
Posted in Buying by Shelley Rossi
Last week Windermere hosted 16 members of the China Alliance of Real Estate Agencies (CAREA) during a daylong tour of Seattle and Bellevue, WA. CAREA is a coalition of the largest regional and national real estate companies in China, representing over 60 percent of all Chinese real estate sales. Their stop in Seattle was a part of a four-city tour that also included Chicago, New York, and Dallas.
Read More >
November 10, 2017
Utah Real Estate Market Update
Posted in Utah Real Estate Market Update by Matthew Gardner, Chief Economist, Windermere Real Estate
The State of Utah added 37,300 non-agricultural jobs over the past 12 months, a growth of 2.6%. Although this represents a slowing in employment gains, it is not a cause for concern because the economy is running at full employment and only so many new jobs can be created. That said, my latest forecast model is suggesting that the pace of employment growth is likely to kick back up...
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November 07, 2017
Show Us Your #SeahawksFanCave To Win Tickets To The Seahawks!
Posted in Seahawks by Shelley Rossi
Are you the ultimate Seattle Seahawks fan? Do you have the ultimate Seattle Seahawks fan cave? And do you want to win tickets to an upcoming Seahawks home game? If so, Windermere and the Seahawks want you to show us your #SeahawksFanCave!
Read More >
November 06, 2017
Idaho Real Estate Market Update
Posted in Idaho Real Estate Market Update by Matthew Gardner, Chief Economist, Windermere Real Estate
Idaho added 15,000 new jobs over the past 12 months, a growth of 2.1%. We have noticed a drop in the annual growth rate compared to 2016 but this is nothing to be concerned about. The state is at full employment and it is natural to see a slowdown in growth at this point in the economic cycle.
Read More >


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from Trask
A stylish shopper checks out the Trask shoe.
TRASK shoes and boots were on display at Oak Hall last Saturday as part of a store wide event that highlighted Southern lifestyle at its best. This American made compnay has some of the best rugged yet refined shoes and boots for the lucky guy on your holiday gift list. They are all carefully crafted of leather and have classic styles and details that get better with age. My favorite is the black and brown Garland (looks like a Saddle Oxford and is 3rd from the L) that I would dress my hubby in with a fitted brown suit, no tie but pastel pocket square or go back with relaxed denim and cozy cardigan with a button down, top button undone. Yummy!
Prichard's Bourbon was on hand for sampling as was Hog & Hominy and Wiseacre Brewery. Also thrown into the mix was the mega Barbour Re-Waxing event and Trish McEvoy make up event plus an ice storm. Regardless of the roads, Memphians came out in a big way to support the event and more than a few gents left wearing better shoes that day. My husband drooled over several pairs including (but not limited to) the Glacier boot which is a bit like lumberjack chic and the easy pull on Garnet boots. Check out www.trask.com for more choices and cruise through the womens selection too-my favorites are the embossed leather Piper flats which I would wear with a boxy sweater, tights and tweed shorts, the greyish blue ankle boot Laurels with my leggings or cropped and skinny denim and long cardigan, and the frontier woman fierce Jordan tall boots with fringe paired with a maxi dress or turtleneck and denim pencil skirt. But for now, focus on your man and get him some Trask shoes or boots for Christmas.
For even more in Memphis living and entertainment news, be sure to follow Memphis magazine on Twitter and Instagram @memphismagazine, on Facebook and Pinterest!


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Seeking help with age old villains in Everglow
Share and review houserules for Ponyfinder.
- Steel_Prism
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Re: Seeking help with age old villains in Everglow
That's good to know I have always taken what happened with a pinch of salt given all the cross over info. As everything can be both right and wrong just matters who's point of view you see it from
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2 dead after head-on crash in Green County, officials say
Crash happened on State Highway 69 Thursday afternoon
NEW GLARUS TOWNSHIP, Wis. — Green County officials responded to a two-vehicle head-on crash around 2:10 p.m. Thursday, according to a release.
Green County Sheriff's deputies responded to the crash on State Highway 69 near Exeter Crossing Road in New Glarus Township, according to the release.
Officials said an initial investigation indicated an automobile drive by an adult male was southbound on State Highway 69 when it crossed the center line and collided head-on with a northbound van, also driven by an adult male.
The crash heavily damaged both vehicles and both drivers were pronounced dead at the scene by the Green County Coroner, according to the release.
Officials said the drivers were the only occupants of both vehicles.
The Wisconsin State Patrol completed an accident reconstruction and State Highway 69 was closed for several hours as traffic was rerouted, according to the release.
Officials are attempting to determine if there were other factors, other than operating left of center that contributed to the crash.


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Toyota Tacoma Parts
Tacoma Parts
Finding the right aftermarket Toyota Tacoma accessories to modify your rig is easy right here at CJ's! We carry a selection of parts and accessories for your Toyota Tacoma pickup truck from the best brands in the business. Whether you're looking for a set of floor mats or just some hood struts, CJ's has all of the Toyota Tacoma truck accessories that you need to customize your build.
Toyota Tacoma History
Beginning as the Stout in 1964, the Toyota Tacoma has come a long way since its birth in the United States. Known to be rather underpowered and lacking visual appeal, the Stout still powered through by making a name for itself in reliability among U.S. truck owners.
Slowly growing over time, the Toyota small to mid-size pickup changed names from Hilux, Toyota Truck and eventually becoming the Toyota Tacoma in 1995 that we all know and love in present day.
Growing in popularity every year that goes by, the Toyota Tacoma is the perfect all-around mid-size pickup for those that want to carry both people and cargo.
Choose From A Variety Of Toyota Tacoma Parts
Here at CJ's, we are happy to offer a wide variety of late model Toyota Tacoma parts and accessories for your ride. You can sleep well at night knowing that you're adding high-quality parts from top-notch brands to your truck; all delivered right to your doorstep! The many Toyota Tacoma truck accessories from CJ's will help improve your build's appearance as well as its performance capabilities on the trail. What are you waiting for? Be sure to check out our selection of Tacoma truck parts today!
Looking for parts for a different off-road vehicle? Check out CJ Off-Road for a complete list of truck and Jeep vehicles that CJ's carries parts for as well as some great off-roading resources and videos.


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Downland Microfibre Soft To Touch Mattress Protector (King)
Full Description
Downland Microfibre Soft To Touch Mattress Protector (King)
Help prolong the life of your new mattress with this wonderful, microfibre king size mattress protector with a sumptuous, peachy feel to add comfort.
Investing in a good-quality mattress is vital for getting a decent night's sleep.
Safeguard your 'investment' with this superb, soft-to-touch microfibre mattress protector from Downland, and add an extra layer of comfort and protection to your mattress.
- Cover: Microfibre Polyester
- Filling: Hollowfibre
- Machine Washable
- 1 x King Size Mattress Protector
Delivery and Returns
Ordered items are usually despatched within 5 to 7 working days
Most deliveries require someone to accept and sign for the delivery to ensure the goods are received correctly. To help you we can arrange for delivery to be made elsewhere. Click here for more information.
We hope you like your purchase, however, if you are not entirely satisfied with any item, it can be sent back to us for a refund, provided it is returned within 14 days after delivery has been made (unless otherwise specified). Please click here for more information.


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SCHEDULE YOUR AT HOME TEST DRIVE TODAY!, 16" x 6" Steel Wheels, 3.86 Axle Ratio, ABS brakes, Brake Assist, Daytime Running Headlamps, Dual front impact airbags, Dual front side impact airbags, Electronic Stability Control, Front Bucket Seats, Integrated Voice Command w/Bluetooth, Interior Convenience Group, Locking Glove Box, Media Hub (USB, AUX), Media Input Hub, Overhead airbag, Power Windows, Quick Order Package 21A, Radio: Uconnect 3 w/5" Display, Remote Keyless Entry, Shelf Above Roof Trim, Speed Control, Steering Wheel Mounted Audio Controls, Tachometer, Telescoping steering wheel, Traction control, Turn signal indicator mirrors, Underseat Storage Tray, Wide Power Heated Mirrors.
Bright White Clearcoat 2019 Ram ProMaster 3500 Cutaway Low Roof 136 WB
3.6L V6 24V VVT FWD 6-Speed Automatic
Visit us at www.FreelandCDJR.com to save time and buy online. Call 888-485-1718.
New vehicle pricing includes all offers and incentives. Tax, Title and Tags not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at 615-697-4798 or by visiting us at the dealership.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 4.9% interest and 20% downpayment.
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† Based on 2019 EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.
Freeland Chrysler Dodge Jeep Ram is excited to serve the Nashville and middle Tennessee market with the hottest Jeep products and service.
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5800 Crossings Blvd • Antioch, TN 37013Get Directions
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Open Today! Service: 7am-1pm


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In Destiny, T.D. Jakes explores the second important area in discovering your purpose and why you are wired the way you are. This book continues along the lines of Instinct and digs deeper into how to unleash and live in your God given destiny. Bishop Jakes begins the book by sharing how critical it is for us not to hate and despite the small steps needed to take in order to complete our destiny. When we have the proper order, we realize that setbacks doesn't have to stop us for pursuing our destiny. He shared a great example about how God's blessings at the right time truly is a blessing. If we were to give our small child keys to their brand new car and they haven't have any driving experiences and training, it would in fact harm our child and others. But if we follow the correct order and are in line with God's timing, great things can happen.
One of my favorite chapters was entitled, "Destiny Is Spelled P-R-I-O-R-I-T-I-Z-E" because this one discussed how crucial it is to prioritize your relationships, finances, what's important for you, and much more. I loved how this chapter discussed the three different types of relationships people have, "confidants, constituents, and comrades". This helped me realize where I need to invest my time the most. Finding great confidants who stay with you through the good and bad times are truly an incredible blessing. I also liked how this chapter talked about the power of having a great mind and not letting other's people's opinions dictate how we live our lives in pursue of our destiny. Bishop Jakes encouraged readers to not dwell on why people were rude to us or why they lied to us. We need to focus our attention and energy and time on things that truly matter.
One of my favorite things, Bishop Jakes revealed was how to deal with jealousy and struggling with envy. He shared a wonderful example of someone running their race and someone else comparing themselves to the other person. If we would build ourselves up and quit being jealous of other people our lives would greatly be changed. He recommended that we need to be inspired and have the attitude that if they were able to achieve their destiny, we can also accomplish ours. I have deeply struggled with being jealous of other people and how fit they are and toned, the amazing job, the beautiful wife, and kids. This book reminded me that I need to focus on running my own race and not to be overly concern about what everyone else is doing.
I would recommend this life changing book to anyone who is ready to discover how to step into their God given destiny. Bishop Jakes did an excellent job writing about how important steps are in order to fulfill your destiny and to not hate the process of reaching your destiny. I realized that everything I have been through is not wasted and God will use everything for His glory. This book assisted me in trying to figure out my purpose and how to live in my destiny. I also really enjoyed learning about the actor, film, and TV producer, Tyler Perry and his personal story and how he lived in his true calling and overcame the odds. I'm extremely glad, Bishop Jake included it in this book to inspire others to keep fight towards your destiny. This book will great benefit people who are ready and willing to discover their purpose and destiny.
"I received this book free from Hachette Book Group/Faith Works."


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Maddow observed last night that there are 2 events just before lunch today that are likely making the White House occupant sweat, and may be prompting his recent diversion activities. First, all of the sealed information related to the Cohen convictions are to be released. The judge vehemently rejected the government's request to redact some information to "protect 3rd party privacy interests.". Because the judge asserted that the information was of "national importance", and that citizens' right to information to hold "representatives" and "institutions" accountable is so fundamental in America that it "pre-dates the Constitution."
To be clear, the only "representative" of citizens involved was... Trump? And the citizens' "institutions" affected would be... the Presidency? Perhaps the Department of Justice, which unaccountable did not actually conduct requested interviews with Trump organization executives involved with the cheques written to reimburse Michael Cohen for the hush money payments leading him to a jail cell...
In fact, the information is only becoming available because SDNY has unaccountably closed that investigation, despite the dangling threads. Why? Why when, before Barr became AG in February, things were full steam ahead? But after, there were apparently 5 months with no contact at all between investigators and the Trump organization - including with those Executives notified to prepare to be interviewed.
Thing two, of course, is Epstein's hearing. And Epstein may be jostling this morning to consider whether to deal with prosecutors again, naming names. In 2010, Epstein asserted Constitutional rights to not answer questions about whether Trump had ever socialized with him in the company of women under 18 years of age.


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And for the first post in the new house, this month's Daring Baker's Challenge! This month we made lasagna, which was awesome. I made every part from scratch. The noodles, the ragu, the bechemel, the ricotta (see my post on March 13), everything except the mozzarella and Parmesan. And while the whole process took about six hours, it was really, really good. I served this for dinner to some friends, and everyone ate a hefty slice, and then went back for seconds.
The March 2009 challenge is hosted by Mary of Beans and Caviar, Melinda of Melbourne Larder and Enza of Io Da Grande. They have chosen Lasagne of Emilia-Romagna from The Splendid Table by Lynne Rossetto Kasper as the challenge.
Gluten Free Egg Pasta
The choice of the first flour is personal. The original recipe called for corn flour because the subtle taste blended well with the dish. However, this is a matter of personal taste – please feel free to substitute a different flour for the corn flour but don't substitute a starch. I used rice flour and thought that was delicious.
1 c rice flour (or other flour of your choice)
3/4 c corn starch
scant 1 c tapioca starch
1 c potato starch
3/4 c sweet rice flour
1 1/2 t xanthan gum
1 t salt
6 eggs
3/8 cup of water
3 T olive oil
Sift all the dry ingredients together in a large bowl. Make a well in the middle of the dry ingredients.
Whisk together 3 eggs, the water and the oil. Pour into the middle of the dry ingredients. Mix with a sturdy wooden spoon, gradually drawing more of the flour mix into the wet ingredients. Add each egg as needed. The dough will be crumbly at the beginning but will gradually come together as you add the eggs. You will need to use your hands to squeeze and mix the dough.
The dough will be firm and stick together when ready. It will not have the elasticity of gluten dough therefore it will crack when kneaded and pushed. Form it into a smooth ball, oil it lightly, and cover securely with plastic wrap. Let it rest for an hour.
Put a sheet of plastic wrap on your work surface. This is very important as the dough will not hold together very well when lifted. Have flour ready for dusting (I used rice flour) and dust the surface lightly. Cut a piece of dough about the size of really large egg – it doesn't matter the size but start small for the first one to gauge how much space you need. Keep the remaining dough covered so it does not dry.
Roll the dough into a ball and flatten into a disc with your hands. Put it on your work surface and flatten with your hands. Use a rolling pin and gently push the dough down and out ward from the center. You may have to place one hand on the plastic wrap as you push the dough down and away. Gluten free dough does not stretch like wheat dough therefore it needs gentle flattening and pushing. If it breaks, pat it back together. If it is too dry, dab a little water with your finger. The gluten free dough will be thicker than wheat dough and you will barely be able to see your hand through the dough. Once it is flattened, cut into strips or squares that will fit your pan. Alternately, use a pasta roller, which I did.
Set the dough aside on the plastic sheet. There is no need to dry the dough. But if you do dry the dough, it will not be able to hang because it will break. Stack the rolled out dough with plastic sheets in between.
Stack the sheets when dry and wrap securely. Store in the fridge until ready to use. Freezing will make the dough crumbly and difficult to work with – so freeze only as a last resort!This dough does not need to be precooked before being assembled into the lasagne.
4 T unsalted butter
4 T rice flour (or sorghum flour, if using that use 3 T)
2 2/3 c milk
Salt and freshly ground pepper to taste
1 t paprika
1 c grated cheese (I used mozzarella)
Using a medium-sized saucepan, melt the butter over low to medium heat. Sift over the flour, whisk until smooth, and then stir (without stopping) for 1 minute. Whisk in the milk a little at a time and keep the mixture smooth. Bring to a slow simmer, and stir 3 to 4 minutes, or until the sauce thickens. Cook, stirring, for about 5 minutes, until the sauce thickens. Remove from heat, season with salt, pepper, and paprika, then stir in cheese.
My Version of Country Style Ragu' (Ragu alla Contadina)
3 tablespoons extra virgin olive oil
1 medium onion, minced
1 carrot, minced
6 cloves garlic
1 lb ground beef
1 lb sausage (I used a mix of sweet and hot)
1 to 1 1/2 lb (total) cubed beef, pork and veal (often sold together in a 'gravy pack')
2 t paprika
1 t thyme
1 c red wine
1 1/2 c chicken or beef stock
2 cups milk
1 can tomatoes, diced
Salt and freshly ground black pepper to taste
Working Ahead:
The ragu can be made 3 days ahead. Cover and refrigerate. It also freezes well for up to 1 month. Skim the fat from the ragu' before using it.
Browning the Ragu Base:
Heat the olive oil in a deep pot over medium-high heat. Add the onion, garlic, and carrot and sauté, stirring frequently with a wooden spoon, 10 minutes, or until the onions barely begin to color. Add meat to the pan, sprinkle with paprika and thyme, and slowly brown over medium heat (do this in two batches if necessary). First the meats will give off a liquid and turn dull gray but, as the liquid evaporates, browning will begin. Stir often, scooping under the meats with the wooden spatula. Protect the brown glaze forming on the bottom of the pan by turning the heat down. Cook 15 minutes, or until the meats are a deep brown. Turn the contents of the skillet into a strainer and shake out the fat.
Add meats back to the pot, then add the wine, lowering the heat so the sauce bubbles quietly. Stir occasionally until the wine has reduced by half, about 3 minutes. Scrape up the brown glaze as the wine bubbles. Stir ½ cup stock into the saucepan and let it bubble slowly, 10 minutes, or until totally evaporated. Repeat with another ½ cup stock. Stir in the last 1/2 cup stock along with the milk. Adjust heat so the liquid bubbles very slowly. Partially cover the pot, and cook 1 hour. Stir frequently to check for sticking.
Add the tomatoes, and cook uncovered, at a very slow bubble for another 45 minutes, or until the sauce resembles a thick, meaty stew. Season with salt and pepper.
Assemble the Lasagna
1. Lightly grease your lasagna pan. Then pour 3 T water or stock in the bottom of the pan.
2. Spread a thin layer of ragu on the bottom of the pan.
3. Place a layer of lasagna noodles (uncooked!) on the ragu.
4. Top with cheese sauce, more ragu, then a good sprinkling of Parmesan and mozzarella cheese.
5. Add another layer of pasta, then repeat. I had six or seven layers. Keep going until you run out of everything. Cover with a final layer of ragu and cheese.
6. Pour a tablespoon of water or stock down the each of the corners of the pan. Cover tightly with foil, and bake 45 minutes at 350.
7. Remove the foil and bake another 15, until starting to brown just a little. Let rest 15 minutes before you try to cut and serve it (longer is better).